Uninsured and flooded out, a Colorado man worries if life will be normal again

Uninsured and flooded out, a Colorado man worries if life will be normal again By BRITTANY PETERSON and MEAD GRUVER The Associated Press Sarah Leyba grieves as she visits her flooded property in Edith, Colo., Nov. 4, 2026. (AP Photo/Brittany Peterson) EDITH, Colo. (AP) — Matthew Martinez has lived nearly all of his 60 years in a canyon on the Navajo River and had never seen severe floods. Then, twice over the last two weeks, the river surged through his home and outbuildings in far southwestern Colorado, about 25 miles (40 kilometers) south of the resort town of Pagosa Springs. Now a horse is missing, his barn is damaged and the river swallowed a corral. The house is strewn with mud. His tools washed downstream. “We’re in trouble, all of us are. Not just me, everybody,” Martinez said through tears when he returned Wednesday. He said several families that go back 100 years in the same canyon had similar damage. “Nobody expected this.” The Navajo, San Juan and Animas rivers are among those that surged beyond their banks when round after round of storms dumped heavy rain across the Four Corners region of Arizona, Colorado, New Mexico and Utah. Scientists say a supercharged El Niño event — when warm water in the Pacific disrupts weather patterns — is making heavy rainfall more likely and increasingly intense across the South. Recent flooding has struck Flagstaff, Sedona and Tucson in Arizona; Pagosa Springs and Durango in southwestern Colorado; Farmington in northwestern New Mexico; tiny Bluff in southeastern Utah; parts of the vast Navajo Nation. With a break in the weather at last, some evacuees are returning home. For Martinez, who was out of town for knee surgery, getting back meant navigating a mucky mess with a four-wheel drive vehicle and a lot of patience over beaten gravel roads. And he’s finding his struggles may have just begun. Martinez said he doesn’t have flood insurance because insurers wouldn’t provide cover for a house so near the water. He estimates at least $200,000 in losses. He and his fiancée first stayed with one of his sons, then moved to a hotel. Both places subsequently flooded. Now they’re in an Airbnb, but he worries they could end up homeless when his emergency voucher runs out in a few days. “The government spends, you know, just millions and billions of money on overseas and everything. Right now we need that money on this side,” he said. “We need to get this, you know, all this put back together.” A FEMA representative came to his property and took photos after the first flood. The second flood hit three days later and was twice as bad, he said. “I know we’re on some list right now,” Martinez said. “So we’ll listen every day and we’ll see what options we have and go from there.” As he heals from the knee surgery, he’s considering whether he should ask family and friends for help cleaning up. Hauling debris to the dump would cost $300 per load and ultimately could total thousands of dollars he does not readily have, he said. The flooding did help end months of drought in the Four Corners area, but the raging torrents washed away rich topsoil on his land, leaving just sand and rock. Now he wonders how he’ll feed his remaining animals without pasture next year. “The normal might not ever be normal again,” Martinez said. ___ Gruver reported from Fort Collins, Colorado. ___ The Associated Press’ climate and environmental coverage receives financial support from multiple private foundations. The AP is solely responsible for all content. Find AP’s standards for working with philanthropies, a list of supporters and funded coverage areas at AP.org . Copyright 2026 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed without permission.